$150,000 Business Loan

Working capital between $100K and $200K — approved on your deposits, not your credit score. Soft pull to check, and funding in as little as 24 hours.

When your business has outgrown a small loan

A $150,000 business loan is real money for a real move — buying out a supplier's bulk order, hiring a crew ahead of a big contract, opening a second location, or replacing a piece of equipment that just died mid-season. It's the amount you ask for when a $25K or $50K loan won't finish the job, but you don't need a seven-figure line either.

The problem is that the same banks happy to hand out $15,000 get slow and picky at $150,000. They want two years of tax returns, a business plan, collateral, and a 680 credit score — and then they take three to six weeks to say yes or no. If you're chasing an opportunity that closes this month, that timeline kills the deal.

We look at it differently. If your business is depositing enough every month to comfortably support the payments, that's what we underwrite. Your bank statements tell us more about whether you can handle $150K than a credit report from two years ago.

How a $150K loan works here

• 1. Apply in minutes. Tell us about your business and connect or upload your last 3–6 months of bank statements. It's a soft pull, so your credit stays untouched.
• 2. Get a real number. We look at your actual deposits and come back with the amount, term, and cost — usually the same day. No vague "pre-qualified" runaround.
• 3. Get funded. Sign, and the funds can be in your account in as little as 24 hours. Use it for whatever moves your business forward.

Real numbers and who qualifies

Here's a concrete example. Say a commercial HVAC contractor lands a $220,000 build-out contract but needs to buy materials and pay a subcontractor crew upfront before the first draw comes in. They're doing about $90,000 a month in deposits with a 590 FICO. That deposit history supports a $150,000 advance — enough to cover materials and payroll now, repaid as the contract pays out over the following months. The bank would have needed three weeks and a tax return the contractor didn't have ready; this closed in two days.

You're likely a fit for $150,000 if you can check most of these:

• At least 6 months in business (longer helps at this size)
• Roughly $50,000+ in monthly revenue / deposits — enough to comfortably carry the payments
• A business bank account with steady, verifiable activity
• FICO 500 or higher (we weigh deposits far more heavily)

Amounts run from $10,000 all the way to $5,000,000, so if $150K turns out to be too much or too little for your revenue, we'll show you the number that actually fits.

Straight answers

Can I get a $150,000 business loan with bad credit?

Yes, it's common. We approve on your bank deposits, not your credit score. FICO 500+ is workable — strong, consistent revenue is what carries a $150K approval.

How fast can I actually get the money?

With a clean file and verified deposits, funding can happen in as little as 24 hours after approval. Larger amounts sometimes need an extra document or a day more, and we'll tell you upfront exactly where you stand.

Does checking hurt my credit?

No. Checking what you qualify for is a soft pull. It does not affect your score, and you're under no obligation to take the offer.

Do I need collateral for $150K?

Not for working capital in this range. You don't have to pledge your home, vehicles, or equipment.

What can I use the $150,000 for?

Anything that helps the business — inventory, payroll, equipment, expansion, marketing, covering a gap before a big invoice pays, or funding a new contract. There are no restrictions on how you spend it.

How much revenue do I need?

As a rough guide, around $50,000+ per month in deposits puts $150K within comfortable reach. The real test is whether your cash flow can carry the payments without straining the business — that's exactly what your bank statements show us.

Ready when you are

If your deposits are strong and you've got a move to make, don't let a bank's paperwork clock cost you the opportunity. Check your $150,000 offer with a soft pull — no hit to your credit, no obligation — and see your real number today.